LTV · monthly repayment
▼ 0.50% · 3.625%
HK$76,980
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$79,374
−HK$2,433/mo
Today · 4.125%
HK$81,807
baseline
▲ 0.50% · 4.625%
HK$86,785
+HK$4,978/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$163,614/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,639
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$87,936
−HK$2,330/mo
Today · 4.125%
HK$90,266
baseline
▲ 0.50% · 4.625%
HK$95,024
+HK$4,758/mo
Deposit HK$16.88M · loan HK$16.88M · min. income ≈ HK$180,532/mo (50% DSR)
Upfront cash ≈ HK$18.31M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,376
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$95,249
−HK$2,920/mo
Today · 4.125%
HK$98,169
baseline
▲ 0.50% · 4.625%
HK$104,142
+HK$5,973/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$196,338/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,767
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$105,523
−HK$2,796/mo
Today · 4.125%
HK$108,319
baseline
▲ 0.50% · 4.625%
HK$114,029
+HK$5,710/mo
Deposit HK$13.50M · loan HK$20.26M · min. income ≈ HK$216,638/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,772
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$111,124
−HK$3,406/mo
Today · 4.125%
HK$114,530
baseline
▲ 0.50% · 4.625%
HK$121,499
+HK$6,969/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$229,060/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,895
−HK$6,478/mo
▼ 0.25% · 3.875%
HK$123,110
−HK$3,263/mo
Today · 4.125%
HK$126,373
baseline
▲ 0.50% · 4.625%
HK$133,034
+HK$6,661/mo
Deposit HK$10.13M · loan HK$23.63M · min. income ≈ HK$252,746/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,564
−HK$8,689/mo
▼ 0.25% · 3.875%
HK$142,874
−HK$4,379/mo
Today · 4.125%
HK$147,253
baseline
▲ 0.50% · 4.625%
HK$156,213
+HK$8,960/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$294,506/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,151
−HK$8,328/mo
▼ 0.25% · 3.875%
HK$158,285
−HK$4,194/mo
Today · 4.125%
HK$162,479
baseline
▲ 0.50% · 4.625%
HK$171,043
+HK$8,564/mo
Deposit HK$3.38M · loan HK$30.38M · min. income ≈ HK$324,958/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$1,434,770 · Scale 2, in force from 26 Feb 2026)